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市场调查报告书
商品编码
1522793

全球再融资市场规模研究（按类型、贷方、最终用户和 2022-2032 年区域预测）

Global Refinance Market Size study, by Type, by Lenders, by End User, and Regional Forecasts 2022-2032
出版日期: | 出版商: Bizwit Research & Consulting LLP | 英文 200 Pages | 商品交期: 2-3个工作天内

价格
简介目录

2023 年全球再融资市场价值约为 199.6 亿美元，预计在 2024-2032 年预测期内将以超过 8.78% 的健康成长率成长。再融资是指以新贷款取代现有贷款的过程，通常是为了受益于更优惠的条款，例如较低的利率、减少每月还款或改变贷款结构。借款人选择再融资来改善其财务状况，要么通过提高信用评分来获得更好的利率，要么利用较低的市场利率。此流程适用于各种类型的贷款，包括抵押贷款、汽车贷款和学生贷款。透过再融资，借款人可以在贷款期限内节省资金，更快地还清债务，或调整还款计划以更好地适应当前的财务状况。

全球再融资市场的扩张是由政府不断增加的促进再融资选择的倡议和计划以及促进全球在线再融资应用的数位技术的快速采用推动的。世界各国政府都认识到再融资作为增强金融稳定和刺激经济成长工具的重要性。这些措施通常包括有利的政策、激励措施和监管改革，旨在使再融资对消费者和企业更容易获得和更具吸引力。透过降低利率、提供税收优惠和简化申请流程，这些计划鼓励借款人为现有贷款再融资，从而减轻他们的财务负担，并腾出资金用于其他投资。此外，线上再融资平台的出现透过为借款人提供更容易获得和简化的服务，对市场成长产生积极影响。然而，市场面临着缺乏再融资服务意识和可及性以及安全和隐私问题等挑战。

全球再融资市场研究考虑的关键地区包括亚太地区、北美、欧洲、拉丁美洲和世界其他地区。 2023年，北美在再融资市场份额中占据主导地位，预计在预测期内将保持领先地位。富国银行、美国银行和 Ally Financial Inc. 等主要市场参与者的存在对该地区的市场成长做出了重大贡献。此外，在接受房屋贷款的城市人口不断增加以及抵押贷款再融资选择日益增多的推动下，亚太地区预计将大幅成长。

目录

第 1 章：全球再融资市场执行摘要

  • 全球再融资市场规模及预测（2022-2032）
  • 区域概要
  • 分部摘要
    • 按类型
    • 透过贷款人
    • 按最终用户
  • 主要趋势
  • 经济衰退的影响
  • 分析师推荐与结论

第 2 章：全球再融资市场定义与研究假设

  • 研究目的
  • 市场定义
  • 研究假设
    • 包容与排除
    • 限制
    • 供给侧分析
      • 可用性
      • 基础设施
      • 监管环境
      • 市场竞争
      • 经济可行性（消费者的角度）
    • 需求面分析
      • 监理框架
      • 技术进步
      • 环境考虑
      • 消费者意识和接受度
  • 估算方法
  • 研究考虑的年份
  • 货币兑换率

第 3 章：全球再融资市场动态

  • 市场驱动因素
    • 不断增加的政府措施和计划
    • 数位技术采用率的提高
    • 线上再融资应用程式的出现
  • 市场挑战
    • 缺乏意识和可及性
    • 安全问题和隐私问题
  • 市场机会
    • 现有产品线的技术进步
    • 新兴经济体尚未开发的潜力

第 4 章：全球再融资市场产业分析

  • 波特的五力模型
    • 供应商的议价能力
    • 买家的议价能力
    • 新进入者的威胁
    • 替代品的威胁
    • 竞争竞争
    • 波特五力模型的未来方法
    • 波特的五力影响分析
  • PESTEL分析
    • 政治的
    • 经济
    • 社会的
    • 技术性
    • 环境的
    • 合法的
  • 顶级投资机会
  • 最佳制胜策略
  • 颠覆性趋势
  • 产业专家视角
  • 分析师推荐与结论

第 5 章：2022-2032 年全球再融资市场规模及类型预测

  • 细分仪表板
  • 全球再融资市场：类型收入趋势分析，2022 年和 2032 年
    • 抵押贷款再融资
    • 汽车贷款再融资
    • 学生贷款再融资
    • 个人贷款再融资
    • 商业贷款再融资

第 6 章：2022-2032 年全球再融资市场规模及贷款机构预测

  • 细分仪表板
  • 全球再融资市场：2022 年和 2032 年贷款人收入趋势分析
    • 银行
    • 非银行金融公司
    • 其他的

第 7 章：2022-2032 年全球再融资市场规模及最终用户预测

  • 细分仪表板
  • 全球再融资市场：2022 年和 2032 年最终用户收入趋势分析
    • 个人
    • 企业

第 8 章：2022-2032 年全球再融资市场规模及地区预测

  • 北美再融资市场
    • 美国再融资市场
      • 2022-2032 年型别细分规模与预测
      • 2022-2032 年贷款机构细分规模与预测
    • 加拿大再融资市场
  • 欧洲再融资市场
    • 英国再融资市场
    • 德国再融资市场
    • 法国再融资市场
    • 西班牙再融资市场
    • 义大利再融资市场
    • 欧洲其他地区再融资市场
  • 亚太再融资市场
    • 中国再融资市场
    • 印度再融资市场
    • 日本再融资市场
    • 澳洲再融资市场
    • 韩国再融资市场
    • 亚太地区其他地区再融资市场
  • 拉丁美洲再融资市场
    • 巴西再融资市场
    • 墨西哥再融资市场
    • 拉丁美洲其他地区再融资市场
  • 中东和非洲再融资市场
    • 沙乌地阿拉伯再融资市场
    • 南非再融资市场
    • 中东其他地区及非洲再融资市场

第 9 章：竞争情报

  • 重点企业SWOT分析
  • 顶级市场策略
  • 公司简介
    • Better Holdco, Inc
      • 关键讯息
      • 概述
      • 财务（视数据可用性而定）
      • 产品概要
      • 市场策略
    • Bank of America Corporation
    • Wells Fargo & Company
    • Caliber Home Loans, Inc.
    • loanDepot.com, LLC
    • Ally Financial Inc.
    • Rocket Companies, Inc
    • RefiJet
    • Citigroup Inc.
    • JPMorgan Chase & Co.

第 10 章：研究过程

  • 研究过程
    • 资料探勘
    • 分析
    • 市场预测
    • 验证
    • 出版
  • 研究属性
简介目录

Global Refinance Market is valued approximately at USD 19.96 billion in 2023 and is anticipated to grow with a healthy growth rate of more than 8.78% over the forecast period 2024-2032. Refinance refers to the process of replacing an existing loan with a new one, typically to benefit from more favorable terms such as lower interest rates, reduced monthly payments, or a change in the loan structure. Borrowers opt for refinancing to improve their financial situation, either by securing a better rate due to improved credit scores or taking advantage of lower market rates. This process can apply to various types of loans, including mortgages, auto loans, and student loans. Through refinancing, borrowers can potentially save money over the life of the loan, pay off debts more quickly, or adjust their payment schedules to better suit their current financial circumstances.

The Global Refinance Market expansion is driven by increasing government initiatives and programs promoting refinancing options, and the rapid adoption of digital technologies facilitating online refinance applications across the world. Governments worldwide are recognizing the importance of refinancing as a tool to enhance financial stability and stimulate economic growth. These initiatives often include favorable policies, incentives, and regulatory reforms designed to make refinancing more accessible and attractive to consumers and businesses. By lowering interest rates, providing tax benefits, and simplifying the application processes, these programs encourage borrowers to refinance existing loans, thereby reducing their financial burdens and freeing up capital for other investments. Moreover, the emergence of online refinancing platforms positively influences market growth by providing more accessible and streamlined services to borrowers. However, the market faces challenges such as a lack of awareness and accessibility to refinancing services, along with security and privacy concerns.

The key regions considered for the Global Refinance Market study includes Asia Pacific, North America, Europe, Latin America, and Rest of the World. In 2023, North America dominated the refinance market share and is expected to maintain its leading position during the forecast period. The presence of major market players such as Wells Fargo & Company, Bank of America, and Ally Financial Inc., significantly contributes to the region's market growth. Furthermore, the Asia-Pacific region is projected to witness substantial growth, driven by the rising urban population embracing home loans and the increasing availability of mortgage loan refinancing options.

Major market player included in this report are:

  • Better Holdco, Inc.
  • Bank of America Corporation
  • Wells Fargo & Company
  • Caliber Home Loans, Inc.
  • loanDepot.com, LLC
  • Ally Financial Inc
  • Rocket Companies, Inc
  • RefiJet
  • Citigroup Inc.
  • JPMorgan Chase & Co.

The detailed segments and sub-segment of the market are explained below:

By Type:

  • Mortgage Refinancing
  • Auto Loan Refinancing
  • Student Loan Refinancing
  • Personal Loan Refinancing
  • Business Loan Refinancing

By Lenders:

  • Banks
  • NBFC's
  • Others

By End User:

  • Individuals
  • Businesses

By Region:

  • North America
  • U.S.
  • Canada
  • Europe
  • UK
  • Germany
  • France
  • Spain
  • Italy
  • ROE
  • Asia Pacific
  • China
  • India
  • Japan
  • Australia
  • South Korea
  • RoAPAC
  • Latin America
  • Brazil
  • Mexico
  • Middle East & Africa
  • Saudi Arabia
  • South Africa
  • RoMEA

Years considered for the study are as follows:

  • Historical year - 2022
  • Base year - 2023
  • Forecast period - 2024 to 2032

Key Takeaways:

  • Market Estimates & Forecast for 10 years from 2022 to 2032.
  • Annualized revenues and regional level analysis for each market segment.
  • Detailed analysis of geographical landscape with Country level analysis of major regions.
  • Competitive landscape with information on major players in the market.
  • Analysis of key business strategies and recommendations on future market approach.
  • Analysis of competitive structure of the market.
  • Demand side and supply side analysis of the market

Table of Contents

Chapter 1. Global Refinance Market Executive Summary

  • 1.1. Global Refinance Market Size & Forecast (2022-2032)
  • 1.2. Regional Summary
  • 1.3. Segmental Summary
    • 1.3.1. By Type
    • 1.3.2. By Lenders
    • 1.3.3. By End User
  • 1.4. Key Trends
  • 1.5. Recession Impact
  • 1.6. Analyst Recommendation & Conclusion

Chapter 2. Global Refinance Market Definition and Research Assumptions

  • 2.1. Research Objective
  • 2.2. Market Definition
  • 2.3. Research Assumptions
    • 2.3.1. Inclusion & Exclusion
    • 2.3.2. Limitations
    • 2.3.3. Supply Side Analysis
      • 2.3.3.1. Availability
      • 2.3.3.2. Infrastructure
      • 2.3.3.3. Regulatory Environment
      • 2.3.3.4. Market Competition
      • 2.3.3.5. Economic Viability (Consumer's Perspective)
    • 2.3.4. Demand Side Analysis
      • 2.3.4.1. Regulatory frameworks
      • 2.3.4.2. Technological Advancements
      • 2.3.4.3. Environmental Considerations
      • 2.3.4.4. Consumer Awareness & Acceptance
  • 2.4. Estimation Methodology
  • 2.5. Years Considered for the Study
  • 2.6. Currency Conversion Rates

Chapter 3. Global Refinance Market Dynamics

  • 3.1. Market Drivers
    • 3.1.1. Rising Government Initiatives and Programs
    • 3.1.2. Increase in Adoption of Digital Technologies
    • 3.1.3. Emergence of Online Refinance Applications
  • 3.2. Market Challenges
    • 3.2.1. Lack of Awareness and Accessibility
    • 3.2.2. Security Issues and Privacy Concerns
  • 3.3. Market Opportunities
    • 3.3.1. Technological Advancements in Existing Product Lines
    • 3.3.2. Untapped Potential in Emerging Economies

Chapter 4. Global Refinance Market Industry Analysis

  • 4.1. Porter's 5 Force Model
    • 4.1.1. Bargaining Power of Suppliers
    • 4.1.2. Bargaining Power of Buyers
    • 4.1.3. Threat of New Entrants
    • 4.1.4. Threat of Substitutes
    • 4.1.5. Competitive Rivalry
    • 4.1.6. Futuristic Approach to Porter's 5 Force Model
    • 4.1.7. Porter's 5 Force Impact Analysis
  • 4.2. PESTEL Analysis
    • 4.2.1. Political
    • 4.2.2. Economical
    • 4.2.3. Social
    • 4.2.4. Technological
    • 4.2.5. Environmental
    • 4.2.6. Legal
  • 4.3. Top investment opportunity
  • 4.4. Top winning strategies
  • 4.5. Disruptive Trends
  • 4.6. Industry Expert Perspective
  • 4.7. Analyst Recommendation & Conclusion

Chapter 5. Global Refinance Market Size & Forecasts by Type 2022-2032

  • 5.1. Segment Dashboard
  • 5.2. Global Refinance Market: Type Revenue Trend Analysis, 2022 & 2032 (USD Billion)
    • 5.2.1. Mortgage Refinancing
    • 5.2.2. Auto Loan Refinancing
    • 5.2.3. Student Loan Refinancing
    • 5.2.4. Personal Loan Refinancing
    • 5.2.5. Business Loan Refinancing

Chapter 6. Global Refinance Market Size & Forecasts by Lenders 2022-2032

  • 6.1. Segment Dashboard
  • 6.2. Global Refinance Market: Lenders Revenue Trend Analysis, 2022 & 2032 (USD Billion)
    • 6.2.1. Banks
    • 6.2.2. NBFC's
    • 6.2.3. Others

Chapter 7. Global Refinance Market Size & Forecasts by End User 2022-2032

  • 7.1. Segment Dashboard
  • 7.2. Global Refinance Market: End User Revenue Trend Analysis, 2022 & 2032 (USD Billion)
    • 7.2.1. Individuals
    • 7.2.2. Businesses

Chapter 8. Global Refinance Market Size & Forecasts by Region 2022-2032

  • 8.1. North America Refinance Market
    • 8.1.1. U.S. Refinance Market
      • 8.1.1.1. Type breakdown size & forecasts, 2022-2032
      • 8.1.1.2. Lenders breakdown size & forecasts, 2022-2032
    • 8.1.2. Canada Refinance Market
  • 8.2. Europe Refinance Market
    • 8.2.1. U.K. Refinance Market
    • 8.2.2. Germany Refinance Market
    • 8.2.3. France Refinance Market
    • 8.2.4. Spain Refinance Market
    • 8.2.5. Italy Refinance Market
    • 8.2.6. Rest of Europe Refinance Market
  • 8.3. Asia-Pacific Refinance Market
    • 8.3.1. China Refinance Market
    • 8.3.2. India Refinance Market
    • 8.3.3. Japan Refinance Market
    • 8.3.4. Australia Refinance Market
    • 8.3.5. South Korea Refinance Market
    • 8.3.6. Rest of Asia Pacific Refinance Market
  • 8.4. Latin America Refinance Market
    • 8.4.1. Brazil Refinance Market
    • 8.4.2. Mexico Refinance Market
    • 8.4.3. Rest of Latin America Refinance Market
  • 8.5. Middle East & Africa Refinance Market
    • 8.5.1. Saudi Arabia Refinance Market
    • 8.5.2. South Africa Refinance Market
    • 8.5.3. Rest of Middle East & Africa Refinance Market

Chapter 9. Competitive Intelligence

  • 9.1. Key Company SWOT Analysis
  • 9.2. Top Market Strategies
  • 9.3. Company Profiles
    • 9.3.1. Better Holdco, Inc
      • 9.3.1.1. Key Information
      • 9.3.1.2. Overview
      • 9.3.1.3. Financial (Subject to Data Availability)
      • 9.3.1.4. Product Summary
      • 9.3.1.5. Market Strategies
    • 9.3.2. Bank of America Corporation
    • 9.3.3. Wells Fargo & Company
    • 9.3.4. Caliber Home Loans, Inc.
    • 9.3.5. loanDepot.com, LLC
    • 9.3.6. Ally Financial Inc.
    • 9.3.7. Rocket Companies, Inc
    • 9.3.8. RefiJet
    • 9.3.9. Citigroup Inc.
    • 9.3.10. JPMorgan Chase & Co.

Chapter 10. Research Process

  • 10.1. Research Process
    • 10.1.1. Data Mining
    • 10.1.2. Analysis
    • 10.1.3. Market Estimation
    • 10.1.4. Validation
    • 10.1.5. Publishing
  • 10.2. Research Attributes